| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
| 15 Year Fixed Rate | 4.375% | 4.505% | $758.62 | $350+out of pocket cost |
| 30 Year Fixed Rate | 5.000% | 5.082% | $536.83 | $350+out of pocket cost |
| Rates effective: 3/9/2010 Interest rates subject to change at any time without notice. |
| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
| 15 Year Fixed Rate | n/a | n/a | n/a | n/a |
| 30 Year Fixed Rate | n/a | n/a | n/a | n/a |
| Rates effective: 3/9/2010 Interest rates subject to change at any time without notice. |
| Terms of Repayment * | Interest Rate | Annual Percent Rate | Monthly Payment | Closing Cost |
| 1 Year ARM | 3.75% | 3.472% | $463.12 | $350+out of pocket cost |
| 3/1 Year ARM | 4.375% | 3.676% | $499.29 | $350+out of pocket cost |
| 5/1 Year ARM | 4.750% | 3.950% | $521.65 | $350+out of pocket cost |
| Rates effective: 3/9/2010 Interest rates subject to change at any time without notice. |